Search found 178 matches

by darkhorse346
Sun Oct 07, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Target date retirement fund vs three funds
Replies: 14
Views: 1474

Re: Target date retirement fund vs three funds

Target Retirement Funds (TRF) = Automatic Transmission Three Funds (3F) = Manual Transmission Personally, I think it could make sense to start on a 3F so they are comfortable "driving" this type of portfolio. There may be circumstances where a 3F would be preferred to TRF. Having said that, I think ...
by darkhorse346
Sun Sep 23, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Starting Fidelity Roth IRA
Replies: 14
Views: 1223

Re: Starting Fidelity Roth IRA

How does one even make a decision as to where to put their money? There seems to be a never ending amount of funds to choose from. Bogleheads recommend the Three-fund portfolio spread across all retirement accounts. At Fidelity, FSTVX (soon to be consolidated and renamed FSKAX) is one of the three....
by darkhorse346
Wed Sep 19, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401K - What Available Funds Close to Vanguard 3-Fund Portfolio
Replies: 5
Views: 563

Re: American Funds 401K - What Available Funds Close to Vanguard 3-Fund Portfolio

I'd look at your 401k and IRA as one portfolio. (This assumes you don't have any taxable retirement accounts.) I'd consider a couple of options: The Simple Version - choose desired asset allocation and add money. Done. (I have personally used this in the past.) 401(k) AF Target Retirement Fund IRA V...
by darkhorse346
Thu Aug 23, 2018 5:01 am
Forum: Investing - Help with Personal Investments
Topic: American Target date funds
Replies: 13
Views: 1173

Re: American Target date funds

For nearly a decade, I owned American Funds [R-4 share class in 401(k)] and Vanguard target date funds across our retirement portfolio. Boring and not sexy, yet simple and effective. I'd feel comfortable going either direction, target date or individual index funds. It really depends upon you knowin...
by darkhorse346
Wed Aug 22, 2018 5:16 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 10686

Re: The Bigger Story: Fidelity Expense Ratios

Vanguard, Fidelity, Schwab, et al., all have their strengths and weaknesses. Each investor has to decide what attributes are most important. Not only fees, but company culture, service, etc. Vanguard's structure is a net positive for investors, but it is not a panacea. Several years back, while conv...
by darkhorse346
Wed Aug 22, 2018 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Moving money from one broker to the next
Replies: 14
Views: 1197

Re: MOVING MONEY FROM ONE BROKER TO THE NEXT

Currently at Schwab So why don't you just use Schwab's perfectly good funds? Lots of people on this forum do that. Schwab has target date funds, index funds, and everything else you need. Anything they don't have can be bought as an ETF. Moving to Vanguard makes no sense to me. I somewhat agree wit...
by darkhorse346
Sun Aug 19, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6093

Re: Vanguard Switch to Brokerage Accounts

I wish I had come here and searched for this topic before I made the seemingly required switch a few days ago. I have been getting emails from Vanguard for months about how I would be required to switch to the new platform, and recently an email indicating it was a last chance (or some wording that...
by darkhorse346
Sat Aug 18, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14849

Re: This is Unbelievable - another Vanguard customer support odyssey

Re: the prior posts:

Vanguard's competitors are actually helping Vanguard's customers get accounts set up at Vanguard. :annoyed
by darkhorse346
Sat Aug 18, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14849

Re: This is Unbelievable - another Vanguard customer support odyssey

Chapter MMXVIII (Subpart T, Section 3(b)) - Another Vanguard Customer Support Odyssey I recently spoke with an acquaintance, who lives overseas and inherited both Vanguard and Fidelity accounts early this year. Fidelity account transfers were simple. One call, that's all. Done. This was taken care ...
by darkhorse346
Fri Aug 17, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8135

Re: Retire in Florida or Alabama?

One person's fishing hole is another persons opera house. Culture is what you make it, and I don't see any issue as long as you don't claim your version is somehow superior just because it is your personal preference or somehow culturally superior due to its exclusivity. One persons "Redneck Rivier...
by darkhorse346
Fri Aug 17, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8135

Re: Retire in Florida or Alabama?

My parents live in Texas and have talked about retiring in some other state in the United States. They have considered Florida as a likely top candidate, but also have looked at Alabama. They've also considered "being retired" in Texas, but buying a house to live part of the year by the beach in ei...
by darkhorse346
Fri Aug 17, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6093

Re: Vanguard Switch to Brokerage Accounts

Changed from mutual fund to brokerage accounts several years ago. No real benefits to us since we just hold VG mutual funds and nothing else. I think the switch from mutual fund accounts to brokerage accounts was a good strategic move for Vanguard, especially when they get their "commission-free" ET...
by darkhorse346
Fri Aug 17, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1565

Re: Marriage Name Change Logistics

Been married for a long time. Spouse and I have the same last name. Fairly traditional. For years, no problems. Then, several years ago, the STAR ("Secure, Trusted, And Reliable) Identification Program started. Google this or "REAL ID" for your state of residence. For example, see below for more inf...
by darkhorse346
Sun Aug 12, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7726

Re: Response from boss re: market analysis

Worked for small startups and megacorps and all sizes in between during my career. I've worked with great people and jerks like everyone else. Flipping the psychological switch from working for someone else to being self-employed has made all the difference. It changed everything. Better raises, bon...
by darkhorse346
Sun Aug 12, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7726

Re: Rude response from boss re: market adjustment

Fact of life... Bosses are allowed to be rude. Subordinates aren't. Learn to live with it. Do people actually think like this? Yes they do. If you'd ever witnessed some executive temper tantrums and been thankful you weren't on the receiving end you would too. Being rude and having a temper tantrum...
by darkhorse346
Sun Aug 12, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7726

Re: Rude response from boss re: market adjustment

Fact of life... Bosses are allowed to be rude. Subordinates aren't. Learn to live with it. Do people actually think like this? Yes they do. If you'd ever witnessed some executive temper tantrums and been thankful you weren't on the receiving end you would too. Being rude and having a temper tantrum...
by darkhorse346
Sat Aug 11, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9740

Re: [New Vanguard website layout starting Saturday, August 11]

darkhorse346 wrote: ↑
Sat Aug 11, 2018 4:37 pm
The view is different depending on how you access you account balances.

My Accounts -> Balances and Holdings = the old view

of

My Accounts -> Holdings (2nd tab of 5 across top) = the alternate view
I don't think this is new as I've seen this for some time.
by darkhorse346
Sat Aug 11, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9740

Re: [New Vanguard website layout starting Saturday, August 11]

The view is different depending on how you access you account balances.

My Accounts -> Balances and Holdings = the old view

of

My Accounts -> Holdings (2nd tab of 5 across top) = the alternate view
by darkhorse346
Sat Aug 11, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 2205

Re: Sucking up to make more money?

Thou shall not suck for the buck. Your work ethic, results, and character are what matter. Deep down, everybody knows this. I'd rather have respectful disagreement and debate among employees to get the best ideas as opposed to a bunch of suck ups. Independent thought and judgement is what employers ...
by darkhorse346
Sat Aug 11, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7726

Re: Rude response from boss re: market adjustment

Don't do business with rude customers. There are degrees of rude. If you won't do business with customers exhibiting even teeny degrees, soon you won't have any customers. I'm not sure I'd even call boss's comment rude, just brief and terse. The business world isn't kindergarten. Get used to it. Yo...
by darkhorse346
Sat Aug 11, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Planning a Florida Gulf Coast trip next February/March
Replies: 5
Views: 586

Re: Planning a Florida Gulf Coast trip next February/March

Sadly, toxic algae is running along the SW Florida gulf coast now.

Hopefully, it will not impact your travels in Feb/March.

Call now...you may be able to snatch a deal.
by darkhorse346
Sat Aug 11, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Planning a Florida Gulf Coast trip next February/March
Replies: 5
Views: 586

Re: Planning a Florida Gulf Coast trip next February/March

I cannot speak for inland hotels. If you have not already done so, I suggest you call South Seas Island Resort on Captiva Island. Depending on the dates you go and other factors, you may be able to get some favorable rates. Call them , don't just go through website. Stayed there 3 times. Pricing can...
by darkhorse346
Sat Aug 11, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22803

Re: Vanguard to offer non-Vanguard ETFs commission-free

I would think that Vanguard would make a big deal once the switch if flipped. A lot of their website content for personal investors would have to be updated once these commission-free ETFs become available. Morningstar would not have dreamed up the planned August 8th start date. The fact that that d...
by darkhorse346
Sat Aug 11, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7726

Re: Rude response from boss re: market adjustment

Change your mindset.

Don't take it personally. It's business.

Get real. Ultimately, employees are "self-employed" and their employers are "customers".

Don't do business with rude customers.
by darkhorse346
Fri Aug 10, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22803

Re: Vanguard to offer non-Vanguard ETFs commission-free

Has anyone seen any official communications from Vanguard on the August 8th start date?
by darkhorse346
Fri Aug 10, 2018 4:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22803

Re: Vanguard to offer non-Vanguard ETFs commission-free

Morningstar, August 9, 2018 Christine Benz and Ben Johnson, CFA interview titled "Looking Past the Fidelity Zero Headlines": Johnson: "That's right, there are so many different bullet points in this announcement it's difficult to keep track of them. I think one that got buried quite deeply was the f...
by darkhorse346
Sun May 20, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1233

Re: Consolidate to Vanguard/Fidelity - Need Help Deciding

UPDATED 05/20/18 Had good, but different, experiences with both Vanguard and Fidelity in the transferring the inherited non-spousal IRA accounts. I want to consolidate to one or the other, but cannot decide. I'd appreciate guidance on which one to pick. I've been using the target retirement fund ap...
by darkhorse346
Sun May 13, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor

I've read a number of BHs use Vanguard ETFs at Fidelity...of course that comes with the $4.95 per trade fee paid to Fidelity. I know that Fidelity has 2 years of up to 500 trades if a certain dollar amount is moved over....has anyone ever asked Fidelity if that 500 trades could be spread out over 1...
by darkhorse346
Sun May 13, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor

Bogleheads: In my opinion, the easiest way to avoid the "Hassle Factor" is to own few funds; few accounts; and as few companies as possible. Best wishes. Taylor Thank you, Taylor. I'm in total agreement with you. Keep it simple. Bogleheads, does Fidelity offer any index funds or commission-free ETF...
by darkhorse346
Sat May 12, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Honestly, I wonder if Vanguard would have ever stepped up the inherited shares if I had not called. I am very thankful to the Bogleheads for sharing their experiences and expertise. Were it not for others sharing their war stories and win/loss records, I doubt I would have monitored the situation so...
by darkhorse346
Sat May 12, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Re: Step-Up Basis on Inherited Taxable Brokerage Accounts - Comparing Vanguard and Fidelity Both Vanguard and Fidelity were able to successfully transfer the inherited taxable brokerage accounts. Upon these successful transfers, the investments in both Vanguard and Fidelity accounts were sold and p...
by darkhorse346
Tue May 08, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1233

Re: Retirement Plan Checkup / Inherited IRAs

UPDATED 05/07/18 Included new taxable brokerage account into retirement portfolio. I'd appreciate additional opinions on structuring this for the long term. Please help me with my overall retirement plan. Emergency funds: 6 months of expenses Debt: $0.00 Tax Filing Status: MFJ w/ 2 Dep Tax Rate: 22...
by darkhorse346
Mon May 07, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1233

Re: Retirement Plan Checkup / Inherited IRAs

Thank you again for your help.

I have updated my initial post with additional information and request for help. Thanks! :beer
by darkhorse346
Fri May 04, 2018 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Thank you, Taylor, livesoft, Bmac, ruralavalon, et al. We're going to stay with our current Vanguard (investments) / Wells Fargo (banking) arrangement for now. We'll be doing an informal case study on how Vanguard, Fidelity, and others perform on a series of upcoming "stress tests". We'll evaluate ...
by darkhorse346
Wed May 02, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1233

Re: Retirement Plan Checkup / Inherited IRAs

My husband has an Inherited IRA and it holds nothing but Total Bond Market Index. He has had the Inherited IRA for almost 20 years. In the early years it was invested only in equities as the RMDs were small enough that even a 100% increase in the asset value would have little impact on our tax liab...
by darkhorse346
Wed May 02, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1233

Re: Retirement Plan Checkup / Inherited IRAs

Thank you for responding. If I go with bonds in the Inherited IRAs, would you agree that something like Total Bond Market Index Fund would be appropriate? New Fidelity customer here, so I'd pick a bond fund similar to VG Total Bond. We have the funds available across all accounts to get Admiral Shar...
by darkhorse346
Tue May 01, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1233

Consolidate to Vanguard/Fidelity - Need Help Deciding

UPDATED 05/20/18 Had good experiences with both Vanguard and Fidelity in the transferring the inherited non-spousal IRA accounts. I want to consolidate to one or the other, but cannot decide. I'd appreciate guidance on which one to pick. I've been using the target retirement fund approach across al...
by darkhorse346
Mon Mar 26, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4669

Re: Savannah or Charleston?

The good news is that both choices are great! I've been to both several times, but slightly prefer Charleson. Savannah is about 1.5-2 hours closer to Atlanta than Charleston. Savannah - I'd suggest staying at the Westin across the river from downtown. They have have a water taxi that will run you al...
by darkhorse346
Sat Mar 24, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Financial Engines Review - Not Impressed
Replies: 3
Views: 2489

Vanguard & Financial Engines Review - Not Impressed

While logged into Vanguard, I clicked on the Financial Engines link. It has been a number of years since I last tried using FE and I wanted to see if it was more user-friendly. I was not overly impressed and got frustrated because I kept getting logged out due to inactivity on the Vanguard site whil...
by darkhorse346
Sun Feb 25, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Thank you, Taylor, livesoft, Bmac, ruralavalon, et al. We're going to stay with our current Vanguard (investments) / Wells Fargo (banking) arrangement for now. We'll be doing an informal case study on how Vanguard, Fidelity, and others perform on a series of upcoming "stress tests". We'll evaluate t...
by darkhorse346
Fri Feb 23, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I think "any of the a above" is the answer. Make sure durable powers of attorney are in place, and are in the form satisfactory to the bank and fund firm. Vanguard has an agent authorization form that they want and may make things go smoother. Thank you, ruralavalon. Good information on the POA and...
by darkhorse346
Thu Feb 22, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11928

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Back on this thread after a year, we have not made any changes. We're still with Vanguard and bank locally with Wells Fargo. Banking and investing in one location has become a much more appealing idea, especially when having to suddenly deal with a parent in poor health and limited capabilities to m...
by darkhorse346
Wed Jan 17, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2210

Re: London/Paris Trip Questions

I'd look into the high-speed trains between cities. Google EuroStar/Thalys and check out your options. Top speeds reach 300 kph (186 mph) and the pricing is very reasonable. Looks like you could get between London and Paris in about 2.5 hours. Cannot speak to the London/Paris trip but experienced ro...
by darkhorse346
Sat Jan 13, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12999

Re: IRS announces new withholding tables for 2018

At the time of this post, the IRS has taken down the withholding tables from their site.

https://www.irs.gov/pub/irs-pdf/n1036.pdf
by darkhorse346
Sat Jan 06, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 17
Views: 4365

Re: Can American Funds be worth the load?

For those interested, American Funds F-1 shares are now available for Vanguard brokerage accounts. No loads or transaction fees, but do impose a 0.25 12b-1.
by darkhorse346
Sat Dec 30, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3416

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Appears that the Vanguard 529 account balances have been restored.
by darkhorse346
Sat Dec 30, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3416

ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Checked Vanguard 529 account balances this morning and it showed there was no money in there! Money was in there yesterday and no transactions have taken place. Message sent to Vanguard to fix the problem, but won't hear back until next week. Hopefully, this is just the result of a system update tha...
by darkhorse346
Sun Jul 16, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 17
Views: 4365

Re: Can American Funds be worth the load?

There is no need to pay a load. You can get these funds at Fidelity, Schwab, etc. without a front load. Unfortunately, the F-1 share class I'm referencing still impose a 12b-1 fee as part of the overall expense ratio. Avoid the load and get the lowest cost share class if you must use American Funds....
by darkhorse346
Tue Jul 11, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 6102

Re: Dave Ramsey's advice on investing?

Bottom line: Give Dave a break. I, like many of you, take issue with his investing approach. Very optimistic and too aggressive for most people. The 12% in "good growth stock mutual funds" could easily cause many to not save enough. Eight percent withdrawal rate in retirement? Not good and dangerous...